Frequently asked questions

It includes:

• A Tuition Fee Loan (paid directly to the university).

• A Maintenance Loan (to help with living costs like rent, food, travel, etc.).

• No – tuition and maintenance loans are paid directly by Student Finance England. You repay only after graduating and earning above the threshold.

You may be eligible if you:

• Are a UK national or have settled/pre-settled status.

• Have been living in the UK for at least 3 years before the course start date.

• Are studying a recognised undergraduate course at a UK university or college.

There’s no age limit for Tuition Fee Loans. For Maintenance Loans, you must be under 60 at the start of your course.

If you have settled or pre-settled status under the EU Settlement Scheme, you may still be eligible.

• Your funding may be reduced or unavailable depending on your previous studies. SkyBlue can assess this with you directly.

Up to £9,250 per year, covering the full cost of tuition at most UK universities.

It depends on:

• Your household income.

• Where you live and study (living at home, away from home, or in London).

Yes – your household income affects how much you receive. The lower your income, the more you may be entitled to.

No – you can apply for just one or both, depending on your needs.

Yes. You may also be eligible for:

• Childcare Grant

• Parents’ Learning Allowance

• Adult Dependants’ Grant

• Disabled Students’ Allowance (DSA)

As early as possible. You don’t need a confirmed university offer to start your application – just list your first choice and update later.

Through the Student Finance England website. SkyBlue Education will support you with paperwork, forms, and deadlines.

Yes – you must reapply for Student Finance for each year of your course.

Usually:

• Passport or ID

• National Insurance number

• Household income details (parents or guardians if under 25)

Maintenance Loan payments are made in 3 instalments across the academic year (one at the start of each term). Tuition fees go directly to your university.

Only after you finish your course and start earning over the repayment threshold (currently £25,000/year for Plan 5 loans).

You repay 9% of your income over the threshold. For example, if you earn £28,000, you’ll repay around £270 per year (or ~£22/month).

If your income stays below the threshold, you won’t repay anything. Any remaining loan is written off after 40 years.

• Yes – interest is charged based on the Retail Price Index (RPI) plus a margin based on your income.

Let Student Finance know as soon as possible. You may still need to repay any loans already paid out.

Yes – your funding can move with you, but you’ll need to update your details online.

We provide:

• Free one-on-one consultations

• Full application guidance

• Help gathering and submitting documents

• Ongoing support throughout your course

Absolutely – we can liaise with Student Finance and help you resolve delays or appeal decisions.